How to apply for the BMO Eclipse Visa Infinite Privilege
Applying for the BMO Eclipse Visa Infinite Privilege is a fully online process and relatively straightforward for applicants who meet the bank’s requirements. As a premium credit card, BMO applies a more detailed credit assessment, taking into account income, credit history, and overall financial profile.
Step-by-step application process
- Visit the official BMO website
Navigate to the page dedicated to the BMO Eclipse Visa Infinite Privilege credit card. - Complete the application form
You will be asked to provide personal details, address, annual income, employment status, and basic financial information. - Authorize the credit check
BMO will review your credit history to assess eligibility and determine approval. - Wait for the decision
In many cases, approval is provided quickly. If approved, the card will be mailed to your registered address. - Activate the card and start using it
Once received, activation can be completed through the BMO mobile app or online banking.
General eligibility requirements
While exact criteria may vary, this card typically requires:
- A strong credit score
- High minimum annual income (standard for Visa Infinite Privilege cards)
- Canadian residency
- Legal age to apply
Additional documentation may be requested depending on the applicant’s profile.
Who is this card recommended for?
The BMO Eclipse Visa Infinite Privilege is designed for a specific type of cardholder and may not be suitable for everyone.
Ideal cardholder profile
- Frequent travellers who benefit from airport lounge access and travel privileges
- Individuals who regularly spend on dining, entertainment, and travel
- Cardholders who value hotel upgrades, exclusive experiences, and concierge services
- People who consistently pay their balance in full each month
- Users who can offset the annual fee through the $200 travel credit and premium benefits
Who may want to look elsewhere
- Low spenders or occasional card users
- Those who rarely spend in the bonus categories
- Travellers who do not make use of lounges or hotel benefits
- Anyone looking for a no-foreign-transaction-fee card
- Cardholders who tend to carry balances or pay interest
For these profiles, lower-fee cards or cashback-focused options may provide better value.
How to cancel the BMO Eclipse Visa Infinite Privilege
If the card no longer fits your financial needs, cancellation is a straightforward process.
Cancellation options
- By phone: Contact BMO customer service
- In branch: Visit a BMO branch in person
- Online or mobile banking: In some cases, cancellation can be initiated digitally
Important points before cancelling
- Redeem or use all accumulated points before closing the account
- Ensure there are no outstanding balances
- Confirm whether the annual travel credit has already been used
- Request confirmation that the account has been officially closed
Cancelling this card does not prevent you from applying for other BMO products in the future, provided your credit profile remains in good standing.
Is the BMO Eclipse Visa Infinite Privilege worth applying for?
The BMO Eclipse Visa Infinite Privilege can deliver strong value for cardholders with high spending levels who actively use its premium features. When maximized, the accelerated rewards, comprehensive travel insurance, lounge access, and annual travel credit can outweigh the $499 annual fee.
However, for users who do not fully utilize these benefits or whose spending does not align with the bonus categories, the overall value proposition becomes less compelling.
Final thoughts
The BMO Eclipse Visa Infinite Privilege is best suited for cardholders who consistently spend on travel, dining, and entertainment and who actively use premium benefits such as lounge access, hotel privileges, and the annual travel credit. When these features are fully leveraged, the card can deliver value that justifies its high annual fee.
On the other hand, for users with lower spending levels or those who do not take advantage of the Visa Infinite Privilege perks, the cost may outweigh the benefits. Before applying, it is important to assess your spending habits, travel frequency, and ability to pay the balance in full each month.
Bottom line: a premium credit card designed for high spenders and frequent travellers , rewarding when used strategically, but less compelling for occasional users.
You will be redirected to the bank’s website
